Secured online financial transaction text chat

ABSTRACT

Systems, methods, and computer program products are defined that provide for secure online financial transaction text chat. According to present embodiments, the security provided to the text chat stream is less likely to be intercepted by a network attacker during communication. In addition to providing heightened security to text chat transmissions, methods, systems and computer program products provide for an alternate platform for delivering the text chat application in the form of a game console. In this regard, the methods, systems and the like provide for text chat on platforms other than personal computers, laptops and/or telephones.

FIELD

In general, embodiments herein disclosed relate to systems, methods, andcomputer program products for providing secured online financialtransaction text chat via a game console or other device limited toexecuting signed code.

BACKGROUND

Currently, online and mobile banking provide financial institutioncustomers the ability to make payments, transfer funds and the like viapersonal computers or other computing devices capable of connecting withthe Internet. However, the security of such web-based transactions is atrisk because the financial institution has no way to ensure theintegrity and confidentiality of these transactions. This is due to thefact that the financial institutions have no means to ensure that thecustomer's device or system provides the necessary degree of security,irrespective of the customer being an individual customer or a businesscustomer.

Specifically, personal computers are inherently not designed to providethe highest possible level of security. This is because the user of thepersonal computer demands the freedom to be able to execute any type ofsoftware, firmware or the like, regardless of the security protectionprovide to the software. In this regard, personal computers areconfigured to allow for executing both secure software and unsecuresoftware.

In addition, the ancillary applications provided by online financialservices delivered via conventional platforms, such as text chatapplications delivered via a personal computer, do not provide for ahigh level of security. These conventional platforms generally lack thenecessary security measures to ensure that the text chat stream does notget intercepted by a network attacker or otherwise diverted.

In other instances, the user/customer may not have access toconventional communication platforms, such as personal computers,laptops or the like to be able to conduct a text chat session with afinancial institution representative. In such instances, the customermay desire an alternate platform that provides the ability to conducttext chat sessions.

Therefore, a need exists to develop methods, systems, computer programproducts and the like which provide for text communication between theuser of an online financial institution service and a representative ofthe service, such that the text stream is less likely to be interceptedby an attacker or inadvertently intercepted during communication. Inaddition to providing heightened security to text chat streams, desiredmethods should provide for an alternate platform for providing a textchat application. In this regard, the desired methods, systems and thelike should provide for text chat on platforms other than personalcomputers, laptops and the like.

SUMMARY

The following presents a simplified summary of one or more embodimentsin order to provide a basic understanding of such embodiments. Thissummary is not an extensive overview of all contemplated embodiments,and is intended to neither identify key or critical elements of allembodiments nor delineate the scope of any or all embodiments. Its solepurpose is to present some concepts of one or more embodiments in asimplified form as a prelude to the more detailed description that ispresented later.

Methods, systems and computer program products are defined that providefor secure online financial transaction text chat. According to presentembodiments, the security provided to the text chat stream is lesslikely to be intercepted by an attacker during communication orinadvertently diverted. In addition to providing heightened security totext chat transmissions, methods, systems and computer program productsprovide for an alternate platform for delivering the text chatapplication in the form of a game console. In this regard, the methods,systems and the like provide for text chat on platforms other thanpersonal computers, laptops and/or telephones.

According to one embodiment of the present invention, a method forproviding text chats for a game console-based online financialinstitution service is provided. The method includes executing, on agame console device, an online financial institution service applicationand receiving a user request to initiate a text chat session via theonline financial institution service. The method additionally includesestablishing a secure network connection between the game console deviceand a network entity associated with the financial institution andaccessing, on behalf of the text chat session, a text input mechanism,such as a keypad, associated with the gaming console and a text outputmechanism, such as a display, associated with the game console. Themethod also includes receiving, at the text input mechanism, user textinputs for the text chat session and communicating the user text inputsvia the secure network connection to a network entity associated withthe financial institution.

According to specific embodiments of the method, executing an onlinefinancial institution service application may further include executingan online financial institution service application that includes signedcode. In such embodiments, the game console device may be furtherdefined as being configured to execute only signed code.

In other embodiments of the method, establishing the secure networkconnection includes establishing a Secured Socket Layer (SSL) protocol,a Transport Layer Security (TLS) protocol network connection networkconnection or any other suitable secure network connection.Additionally, in other embodiments, establishing the secure networkconnection may also include exchanging digital authenticationcertificates between the online financial institution serviceapplication and a network entity associated with the financialinstitution and/or communicating a game console identifier to thenetwork entity associated with the financial institution.

A system for providing text chats for a game console-based onlinefinancial institution service defines another embodiment of the presentinvention. The system includes a gaming console device including acomputing platform having at least one processor and a memory incommunication with the processor. The system additionally includes anonline financial customer service application operable to be loaded intothe memory of the gaming console device and executed on the gamingconsole. The application is specifically configured for the gamingconsole. The application includes a text chat module operable to sendand text chat streams via a secure network connection between the gamingconsole and a network entity associated with the financial institution.

In specific embodiments of the system, the text chat module may beoperable to establish the secure network connection between the gameconsole device and the network entity associated with the financialinstitution. In such embodiments, the online financial institutionapplication may be further operable to exchange authenticationcertificates between the application and a network entity associatedwith the financial institution to establish the secure networkconnection.

In other embodiments, the system may include a text input mechanismassociated with the gaming console device and a text output mechanismassociated with the gaming console device. In such embodiments, the textchat module may be further operable to gain access to the text inputmechanism and the text output mechanism to conduct a text chat session.

In certain embodiments of the system, the online financial customerservice application includes signed code. In such embodiments of thesystem, the gaming console device may further be defined as configuredto execute only signed code.

In further alternate embodiments of the system, the text chat module maybe further operable to receive and send text chat streams via a SecuredSocket Layer (SSL) protocol network connection, a Transport LayerSecurity (TLS) protocol network connection or any other suitablesecurity protocol network connection.

A computer program product provides for yet another embodiment of thepresent invention. The computer program product includes acomputer-readable medium. The medium includes a first set of codes forcausing a game console to execute an online financial institutionservice application and a second set of codes for causing the gameconsole to receive a user request to initiate a text chat session viathe online financial institution service. The medium additionallyincludes a third set of codes for causing the game console to establisha secure network connection between the game console device and anetwork entity associated with the financial institution, and a fourthset of codes for causing the game console to access, on behalf of thetext chat session, a text input mechanism associated with the gamingconsole and a text output mechanism associated with the game console.Also, the medium includes a fifth set of codes for causing the gameconsole to receive, at the text input mechanism, user text inputs forthe text chat session and a sixth set of codes for causing the gameconsole to communicate the user text inputs via the secure networkconnection to a network entity associated with the financialinstitution.

In one specific embodiment of the computer program product, the firstset of codes may further cause the gaming console to execute an onlinefinancial institution service application that includes signed code. Insuch embodiments, the game console device may be further defined asbeing configured to execute only signed code.

In other embodiments of the computer program product, the third set ofcodes may further cause the game console to establish a Secured SocketLayer (SSL) protocol network connection, a Transport Layer Security(TLS) protocol network connection or any other suitable securityprotocol network connection. Additionally, in other embodiments of thecomputer program product, the third set of codes may cause the gameconsole to exchange digital authentication certificates between theonline financial institution service application and a network entityassociated with the financial institution and/or communicate a gameconsole identifier to the network entity associated with the financialinstitution.

To the accomplishment of the foregoing and related ends, the one or moreembodiments comprise the features hereinafter fully described andparticularly pointed out in the claims. The following description andthe annexed drawings set forth in detail certain illustrative featuresof the one or more embodiments. These features are indicative, however,of but a few of the various ways in which the principles of variousembodiments may be employed, and this description is intended to includeall such embodiments and their equivalents.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, which are notnecessarily drawn to scale, and wherein:

FIG. 1 is a block diagram of a system for providing financialinstitution services via a gaming console platform, in accordance withone embodiment of the present invention;

FIG. 2 is a detailed block diagram of a gaming console device configuredto provide financial institution services, in accordance with oneembodiment of the present invention;

FIG. 3 is a flow diagram of a method for providing financial institutionservices via a gaming console platform, in accordance with an embodimentof the present invention;

FIG. 4 is a message or call flow diagram illustrating exemplary messagessent between a financial institution service application and a financialinstitution server during bi-directional exchange of signed digitalcertificates, in accordance with one embodiment of the presentinvention;

FIG. 5 is a flow diagram of a method for user authentication in a gameconsole-based financial institution service application, according toanother embodiment of the present invention;

FIGS. 6A and 6B provide illustrations of game controllers used as gameconsole-specific input devices for defining user authenticationmechanisms/passcodes, according to another embodiment of the presentinvention;

FIG. 7 is a flow diagram of a method for providing text chat sessionswithin a game console-based financial institution service application,according to another embodiment of the present invention;

FIG. 8 is a flow diagram of a method for providing voice chat sessionswithin a game console-based financial institution service application,according to another embodiment of the present invention; and

FIG. 9 depicts a block diagram overview of the architecture of a genericgaming console device, according to a further embodiment of the presentinvention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. In the following description, for purposes ofexplanation, numerous specific details are set forth in order to providea thorough understanding of one or more embodiments. It may be evident,however, that such embodiment(s) may be practiced without these specificdetails. Like numbers refer to like elements throughout.

Various embodiments or features will be presented in terms of systemsthat may include a number of devices, components, modules, and the like.It is to be understood and appreciated that the various systems mayinclude additional devices, components, modules, etc. and/or may notinclude all of the devices, components, modules etc. discussed inconnection with the figures. A combination of these approaches may alsobe used.

The steps and/or actions of a method or algorithm described inconnection with the embodiments disclosed herein may be embodieddirectly in hardware, in a software module executed by a processor, orin a combination of the two. A software module may reside in RAM memory,flash memory, ROM memory, EPROM memory, EEPROM memory, registers, a harddisk, a removable disk, a CD-ROM, or any other form of storage mediumknown in the art. An exemplary storage medium may be coupled to theprocessor, such that the processor can read information from, and writeinformation to, the storage medium. In the alternative, the storagemedium may be integral to the processor. Further, in some embodiments,the processor and the storage medium may reside in an ApplicationSpecific Integrated Circuit (ASIC). In the alternative, the processorand the storage medium may reside as discrete components in a computingdevice. Additionally, in some embodiments, the events and/or actions ofa method or algorithm may reside as one or any combination or set ofcodes and/or instructions on a machine-readable medium and/orcomputer-readable medium, which may be incorporated into a computerprogram product.

In one or more embodiments, the functions described may be implementedin hardware, software, firmware, or any combination thereof. Ifimplemented in software, the functions may be stored or transmitted asone or more instructions or code on a computer-readable medium.Computer-readable media includes both computer storage media andcommunication media, including any medium that facilitates transfer of acomputer program from one place to another. A storage medium may be anyavailable media that can be accessed by a computer. By way of example,and not limitation, such computer-readable media can comprise RAM, ROM,EEPROM, CD-ROM or other optical disk storage, magnetic disk storage orother magnetic storage devices, or any other medium that can be used tocarry or store desired program code in the form of instructions or datastructures, and that can be accessed by a computer. Also, any connectionmay be termed a computer-readable medium. For example, if software istransmitted from a website, server, or other remote source using acoaxial cable, fiber optic cable, twisted pair, digital subscriber line(DSL), or wireless technologies such as infrared, radio, and microwave,then the coaxial cable, fiber optic cable, twisted pair, DSL, orwireless technologies such as infrared, radio, and microwave areincluded in the definition of medium. “Disk” and “disc”, as used herein,include compact disc (CD), laser disc, optical disc, digital versatiledisc (DVD), floppy disk and blu-ray disc where disks usually reproducedata magnetically, while discs usually reproduce data optically withlasers. Combinations of the above should also be included within thescope of computer-readable media.

Thus, methods, systems, computer programs and the like are hereindisclosed that provide for a secure platform for financial transactions.In accordance with an embodiment of the present invention, a gameconsole device is implemented as the platform for conducting financialtransactions. The game console device is characteristically defined asexecuting only signed code and, therefore, the financial institutionservice application that is executed on the gaming console deviceincludes signed code and a corresponding digital certificate. In thisregard, the gaming console provides far greater security than aconventional platform, such as a personal computer (PC) or the like,which allows for both signed code and unsigned code to be executed onthe device, thereby compromising the security of the device and thefinancial transactions conducted on the device.

In addition to providing heightened security, the gaming consoleplatform affords the financial institution and/or financial institutionservice providers the ability to configure an application specificallysuited for the capabilities of the gaming platform. In this regard, anenhanced user experience may be provided. For example, the financialinstitution and/or service provider may configure the application toutilize various input mechanisms, such as game controllers or the like,which have input functionality beyond a conventional mouse/pointer typeinput mechanism.

In further embodiments of the present invention, a user authenticationmethod is herein described that relies on user inputs to gamingconsole-specific input mechanisms to define the user's authenticationpasscode. In this regard, the passcode that is implemented by the useris one other than a conventional alpha-numeric password. Hence,additional security is provided to the user authentication process byhaving an authentication passcode that is not easily intercepted orreplicated. An additional benefit is foreseen in that the userauthentication mechanisms herein disclosed are more apt to be rememberedby the user.

In still further embodiments of the present invention, secure voice chatsessions and text chat sessions used in conjunction with gamingconsole-based financial institution services are herein described. Thevoice chat sessions and text sessions implement secure protocols, suchas Secure Socket Layer (SSL), Transport Layer Security (TLS) or thelike, to tunnel text or voice streams between the gaming console and thefinancial institution.

Referring to FIG. 1 a block diagram is depicted of a system 10 forproviding financial institution services via a gaming console deviceplatform. The system 10 includes a game console device 100 and financialinstitution server 200 that are in network communication. Examples ofgaming console device 100 include, but are not limited to, Playstation®,PlayStation Portable (PSP®) manufactured by Sony Corporation of Tokyo,Japan; Xbox® manufactured by Microsoft Corporation of Redmond, Wash.,USA; and WHO, GameBoy® and Nintendo DS™ manufactured by Nintendo CompanyLtd. of Kyoto, Japan. In the illustrated example of FIG. 1, the gameconsole device 100 and the financial institution server 200 are innetwork communication via the Internet 20, although other public and/orprivate intranets may also be implemented in accordance with otherembodiments of the present invention.

The game console device 100 includes secure computing platform 110having a processor 120 and a memory 130. As previously noted, the securenature of computing platform 110 dictates that the applications,modules, routines and the like that are executed on the gaming consoleinclude signed code. Signed code ensures the integrity of the code andallows the system to recognize updated versions of the code as the sameprogram as the original. Thus, once code is signed, any change in thecode that was not intended, whether introduced accidently or byattackers (otherwise referred to herein as hackers) can be detected bythe system. A code signature includes a unique identifier, which can beused to identify the code or to determine to which groups or categoriesthe code belongs; a seal, which is a collection of checksums or hashesof the various parts of the program; and a digital signature, whichsigns the seal to guarantee the integrity and includes information thatcan be used to determine who signed the code and whether the signatureis valid.

Further, the memory 130 of secure computing platform 110 includesfinancial institution service application 140. The financial institutionservice application 140 is operable for establishing a secure connectionwith the financial institution server 200 to deliver financial servicesto the user of the game console device 100. Financial services mayinclude, but are not limited to, online banking, bill pay services,investment transaction services, transfers between accounts, accountbalance services and the like. In addition, from the businessperspective, the game console device 100 may be in communication with adigital cash drawer, card/UPC scanner, or the like (which are notdepicted in FIG. 1) and, thus, the gaming console may function as apoint-of-sale device. The financial institution service application 140includes signed code and is specifically configured for the gamingconsole platform on which it is implemented. Thus, financial institutionservice application 140 includes a signed application certificate 150.The signed application certificate 150 serves to establish identity byassociating a public key to the application, assign authority byestablishing what actions the application may take based upon thecertificate, and secure confidential information. In general, a digitalcertificate may include a public key, a name, an expiration date, thename of the issuing authority, a serial number, and any relevantpolicies describing how the certificate may be used, the digitalsignature of the certificate issuer and any other pertinent information.

The financial institution server 200 also includes a secure computingplatform 210 having a processor 220 and memory 230. Memory 230 includesa financial institution transaction module 240 operable for providing asecure connection to the game console device 100 and deliveringfinancial institution services to the gaming console device 100. As asecure server, financial institution server 200 includes a signed servercertificate 250. The signed server certificate 250 serves to establishidentity by associating a public key to the server, assign authority byestablishing what actions the server may take based upon thecertificate, and secure confidential information, such as encrypting thefinancial transactions session's symmetric key for data confidentiality.

In practice, when the financial institution service application 140makes a connection to the financial institution server 200, thefinancial institution service application 140 sends a session identifierto the financial institution server 200 and requests the server's signedserver certificate 250. In response, financial institution server 200sends the signed server certificate 250 and a request for the signedapplication certificate 150. The financial institution serviceapplication 140 responds by sending the signed application certificate150 along with, where applicable, a secret key to be used with thesecret key encryption scheme and a verification of the signedapplication certification. In this regard, the authentication that takesplace is bi-directional; the financial institution server 200authenticates the financial institution service application 140 and thegame console device 100 authenticates the financial institutiontransaction module 240 and/or financial institution server 200. Moreexplicit description of the messaging scheme for providingbi-directional authentication is provided for in FIG. 4 and thediscussion related thereto.

Referring to FIG. 2, depicted is a more detailed block diagram of agaming console device 100 configured to provide financial institutionservices, in accordance with present embodiments. In addition toproviding greater detail, FIG. 2 highlights various alternateembodiments of the present invention. The gaming console device 100 mayinclude any type of computerized communication device, capable ofproviding a platform for the financial institution service application140 and establishing a secure network connection with the financialinstitution server 200 on behalf of the financial institution serviceapplication 140. As such, the gaming console device 100 may beconfigured to only execute code that is signed.

The gaming console device 100 includes secure computing platform 110that can transmit data across a wired and/or wireless network, and thatcan receive and execute routines and applications. Secure computingplatform 110 includes memory 130, which may comprise volatile andnon-volatile memory such as read-only and/or random-access memory (RAMand ROM), EPROM, EEPROM, flash cards, or any memory common to computerplatforms. Further, memory 130 may include one or more flash memorycells, or may be any secondary or tertiary storage device, such asmagnetic media, optical media, tape, or soft or hard disk.

Further, secure computing platform 110 also includes processor 120,which may be an application-specific integrated circuit (“ASIC”), orother chipset, processor, logic circuit, or other data processingdevice. Processor 120 or another processor, such as an ASIC, may executean application programming interface (“API”) layer 160 that interfaceswith any resident programs, such as financial institution serviceapplication 140 stored in the memory 130 of the gaming console device100. API 160 is typically a runtime environment executing on the gamingconsole device 100 and operable to control the execution of applicationson the gaming console device 100.

Processor 120 includes various processing subsystems 122 embodied inhardware, firmware, software, and combinations thereof, that enable thefunctionality of gaming console device 100 and the operability of thedevice on the wired or wireless network. For example, processingsubsystems 122 allow for initiating and maintaining communications, andexchanging data, with other networked devices. For example, processor120 may additionally include one or a combination of processingsubsystems 122, such as: sound, non-volatile memory, file system,transmit, receive, searcher, layer 1, layer 2, layer 3, main control,remote procedure, digital signal processor, Bluetooth® system,Bluetooth®, user interface, security, authentication, graphics, USB,multimedia such as MPEG, GPRS, etc (all of which are not individuallydepicted in FIG. 2 for the sake of clarity).

Secure computing platform 110 additionally includes communicationsmodule 170 embodied in hardware, firmware, software, and combinationsthereof, that enables communications among the various components of thegaming console device 100, as well as between the gaming console device100 and the network. In described embodiments, the communications module170 enables the communication of all correspondence between gamingconsole device 100 and other wired or wireless devices. Thus,communications module 170 may include the requisite hardware, firmware,software and/or combinations thereof for establishing a wired orwireless network communication connection.

As previously noted in regards to FIG. 1, the memory 130 of securecomputing platform 110 includes financial institution serviceapplication 140. The financial institution service application 140 isoperable for establishing a secure connection with the financialinstitution server 200 to deliver financial services to the user of thegaming console device 100. The financial institution service application140 is configured with signed code and is specifically configured forthe gaming console platform on which it is implemented. Thus, financialinstitution service application 140 includes a signed applicationcertificate 150. Bi-directional application and financial institutionserver authentication are conducted by exchanging the digitalcertificates between the application and the financial institutionserver. In addition to exchange of the digital certificates, furtherauthentication of the gaming console device 100 is provided bycommunicating a game console identifier 180 that is stored in memory 130and accessible by API 160 for communication to the financial institutionserver 200 via communications module 170. The game console identifier180 may be communicated as plaintext or, in certain embodiments, thegame console identifier 180 may be encrypted or otherwise encoded priorto communication to prevent the identifier from being intercepted duringcommunication.

In addition, the financial institution service application 140 candeliver user interfaces for the financial institution service that areunique to the gaming platform. The user interfaces may provide for theuser/customer to conduct transactions and the like using inputmechanisms that are unique to the gaming console platform. For example,the game pad provides for multiple action buttons as opposed to the twobuttons configured on a conventional mouse input device for a PC. Inaddition, the user interface may rely on motion detection in the gamecontroller for inputs to the user interface, or other user inputsrelated to special purpose controllers or the like. In this regard, theoverall user experience with the financial institution service isenhanced by providing more interactivity and the like than would beprovided by a conventional PC platform.

According to one optional embodiment of the present invention, thememory 120 may include a user authentication module 142 that is operableto provide user authentication prior to granting the user authorizationto access services, such as financial institution services or the like.The user authentication module 142 may include a gaming console-specificuser authentication routine 144 that is operable to provide for userauthentication based on pre-determined user designated inputs to inputmechanisms 190 that are specific to gaming consoles.

For example, certain game controllers include an accelerometer or othermechanisms for detecting motion in the game controller device. As such,the user may designate a certain predetermined game controller motionpasscode 146 for purposes of authentication. The motion inputcorresponds to a plurality of vectors, for example three-dimensionalvectors representing x, y and z coordinates, and a vector representingtime. Once the motion input is received, the vectors may be converted toa numeric value, encrypted into a password and, optionally, hashed,prior to communicating the password to a network entity forauthentication purposes. Such motions would characteristically be harderto intercept or replicate and would be easier for the user to rememberthan conventional alpha-numeric passwords.

In another example, the input mechanism 190 may be a conventionalgamepad, also referred to in the art as a joypad. The gamepad can haveanywhere from two input buttons/keypads up to a dozen or more, combinedwith multiple omnidirectional analogue or digital control sticks. Insuch input devices, the user may designate a predetermined controllerinput passcode 148, which may be a series or pattern of multiple inputsto the various buttons, control sticks and the like configured on thegamepad. As noted above, such gamepad inputs would less likely besusceptible to eavesdropping, replication or the like and would beeasier for the user to remember.

In another example, the input mechanism 190 may be a special purposegame controller, such as a dance pad or other mechanism that providesfor inputs based on feet movement to designated areas on the pad. Insuch input mechanisms, the user designated predetermined controllerinput passcode 148 may include a series or pattern of multiple inputs tothe various areas on the pad (e.g., a dance step or routine). In anotherexample, the input mechanism may be any other special purpose inputdevice, such as a steering wheel or a light gun, and the user designatedpredetermined controller input passcode 148 may be a series or patternof one or more inputs to the specific special purpose input device.According to one embodiment of the invention, user authenticationroutine 144 may be configured to store and accept a different userinput/action for each input mechanism, such that the user can providethe predetermined input/motion to the device, depending upon whichdevice or devices are currently connected to the gaming console device100.

In another example, such as when the gaming console device 100 is aportable device, the input mechanism 190 may be a touch-screen or thelike and the user designated predetermined controller input passcode 148may be a series or pattern of various inputs to the touch screendisplay, such as movement of objects on the display or a series/patternof taps to the display.

In accordance with further embodiments of the present invention, thefinancial institution service application 140 may include a voice chatmodule 192 and/or a text chat module 194, which are operable to providefor bi-directional voice streams and/or text streams between the user ofthe financial institution service and a representative for the financialinstitution during an ongoing secure financial institution service.

Activation by the user of the voice chat module 192 provides for asecured connection, such as a SSL or TLS connection, to be establishedbetween the gaming console device 100 and a network entity/serverassociated with the financial institution for the purpose of securelytransporting the voice stream. Additionally, upon activation, the voicechat module 192 accesses and gains control over the gaming device'smicrophone and speaker capabilities to provide input and outputmechanisms for the voice stream.

Activation of the text chat module 194 also provides for a securedconnection, such as a SSL or TLS connection, to be established betweenthe gaming console device 100 and a network entity/server associatedwith the financial institution for the purpose of securely transportingthe text stream. Additionally, upon activation, the text chat module 194accesses and gains control over the gaming device's keypad and displaycapabilities to provide input and output mechanisms for the text stream.

In alternate embodiments, the voice chat module 192 and/or the text chatmodule 194 may be included within the memory of the game console device100, therefore obviating the need to include such within the financialinstitution service application 140. In such embodiments, the financialinstitution service application 140 may include modules, routines or thelike (not shown in FIG. 2) that allow the financial institution serviceapplication 140 to interface with the voice chat and/or text chatcapabilities of the gaming console device 100.

Both the voice chat module 192 and the text chat module 194 include asecure connection set-up routine 196 and 198, respectively. The secureconnection set-up routine provides for a secure connection to beestablished as the communication channel for the voice stream or textstream. Examples of secure connections include, but are not limited to,Secure Socket Layer (SSL) protocol and Transport Layer Security (TLS)protocol. The secure connection provides for the voice or text stream tobe encrypted via the SSL connection, TLS connection or the like prior tocommunication to the network entity associated with the financialinstitution to ensure that the data streams are not intercepted by awould-be attacker. The flow diagrams of FIGS. 7 and 8 are discussedinfra and provide further details in regards to those embodiments of thepresent invention related to voice chat and/or text chat.

Referring to FIG. 3, a flow diagram is presented of a method 300 forproviding financial institution services on a gaming console, inaccordance with an embodiment of the present invention. At Event 310, afinancial institution service application is loaded onto a game consoledevice. The financial institution service application may be obtainedfrom the financial institution in a tangible form, such as Compact Disc(CD) or the like, loaded onto the gaming console by inserting the CD ina portable media drive and saving the application in gaming consolememory. Alternatively, the financial institution application may bedownloaded from a financial institution networked site, such as a publicwebsite or the like and stored on gaming console memory. As previouslymentioned, the financial institution service application 140 may beassociated with any financial institution such as a commercial bank,brokerage firm, lending firm or the like. The financial institutionservice application 140 provides for establishing a secured networkconnection to the associated financial institution for delivery offinancial institution services. The financial institution services mayinclude, but are not limited to, online banking, point-of-sale services,inter account transfers, investment services, account balance services,loan services, payment services and the like.

At Event 320, the financial institution service application 140 islaunched on the gaming console. Launching of the financial institutionservice application 140 may be based on user input to an inputmechanism, such as a game controller or the like, or the financialinstitution service application 140 may be configured to be launched atthe boot-up/power-up of the gaming console device 100.

At Event 330, the financial institution service application 140establishes a secure connection with the financial institution usingbi-directional digital certificate exchange between the application anda financial institution server 200 and game console identification. Oneexample of messaging flow for bi-directional digital certificateexchange is shown and described in relation to FIG. 4, infra. Inaddition to digital certificate exchange for the purpose of verifyingboth the application at the financial institution server and thefinancial institution server 200 at the application, the gaming consoledevice 100 may be configured to communicate a hardware identifier to thefinancial institution server 200 for the purpose of verifying the gamingconsole device 100 at the financial institution server 200.

At Event 340, once the secure network connection has been established,the user is authenticated as a means of authorizing the user to use thefinancial institution services. User authentication provides for theuser to provide authentication credentials, generally in the form of apassword or pass code, which are securely validated by the financialinstitution. According to one embodiment of the present invention, theuser authentication credentials may be defined by gamingconsole-specific user inputs, such as a predetermined motion provided toa motion-detecting game controller or other predetermined inputsprovided to a joypad or any other special purpose game controller. Theflow diagram of FIG. 5 is discussed infra and provides further detailsin regards to those embodiments of the present invention related to gameconsole-specific user authentication. At Event 350, based on theauthentication process, the user receives confirmation of the validationof the user authorization and is thereby permitted to conducttransactions, access information and the like associated with thefinancial institution services.

At Event 360, the user conducts financial transactions or otherwiseaccesses information provided by the financial institution service. Inone example, conducting financial transactions or accessing informationmay occur based on manual inputs provided by a user, such as a consumerbanking user or the like. In another example, conducting financialtransactions may be based on inputs fromaccessories/devices/applications, which are in communication with thegaming console device 100. The accessories may include, but are notlimited to, a card scanner, a cash drawer, a UPC scanner or the like. Inthis regard, the business user can use the gaming console as apoint-of-sale terminal enabling cash services via the gaming consoledevice and/or back-end financial transactions conducted by the financialinstitution via the secure session established between the applicationand financial institution server(s).

Turning the reader's attention to FIG. 4, a messaging diagram 400 isprovided that specifies the messages exchanged during SSL or TLSprotocol handshake, according to an embodiment of the present invention.The SSL or TLS protocol handshake provides for bi-directional exchangeof digital certificates, such that the financial institution applicationis able to verify the financial institution and the financialinstitution is able to verify the application.

At Event 402, the financial institution service application initiatesthe secure connection by communicating a session identifier to thefinancial institution server, the session identifier also serves as adigital certificate request. Additionally, the session identifiermessage may include the highest SSL or TLS version number supported bythe application and a preferential listing of supported cryptography andcompression schemes.

At Event 404, the server examines the session identifier and determinesif the session identifier remains in the server's cache. If it isdetermined that the session identifier is in the cache, the server willattempt to re-establish a previous session with the application. If thesession identifier is not recognized in the cache, the server willcontinue the handshake process to establish the secure session. At Event406, assuming the secure session needs to be established, a sessionidentifier acknowledgement is sent to the financial institution serviceapplication. The acknowledgement repeats the session identifier,optionally indicates the SSL/TLS version to be used for this connectionand specifies which encryption method and compression scheme to use forthis session.

At Event 408, the server communicates the server's signed digitalcertificate to the financial institution. The digital certificate mayalso include the server's public key. At optional Event 410, the servercommunicates a server key, which is a premaster secret, in thoseinstances in which the digital certificate (Event 408) does not includeenough data for this purpose. The premaster secret is used in some, butnot all key exchange schemes and therefore may not be applicable.

At Event 412, the server sends a digital certificate request to thefinancial institution service application 140 for the purpose ofauthenticating the application at the server. At Event 414, the servercommunicates a server handshake complete message indicating that theserver's portion of the key exchange handshake is complete.

At Event 416, in response to the application receiving the serverhandshake complete message, the application communicates theapplication's signed public key certificate to the server. In addition,at Event 418, the server may communicate the client secret key that isto be used with the secret key cryptography scheme. At Event 420, theapplication communicates the certificate verification message to theserver that provides explicit verification of the application'scertification.

The TLS protocol includes the change cipher spec protocol to indicatethe changes in the encryption method. Thus, at Event 422, a changecipher spec message is communicated from the application to the server,which is encrypted and compressed using the current (as opposed to thenew) encryption and compression schemes. At Event 424, the serverreturns in kind a change cipher spec message to notify the applicationthat all following information will employ the newly negotiated cipherspec and keys. At Event 426, a finished message is sent from the serverto the application to confirm that the key exchange and authenticationprocess were successful. At this point, both the application and theserver can exchange application data using the session encryption andcompression schemes.

Referring to FIG. 5, a flow diagram is depicted of a method 500 forauthenticating a user of a game console-based application using gameconsole-specific user inputs as the authentication mechanisms/passcodes,in accordance with an embodiment of the present invention. At Event 502,game console-specific user authentication inputs are inputted into theapplication that is executed on the game console. As previously noted,the game console-user authentication inputs may be any predeterminedinputs associated with a gaming console input device, such as a gamecontroller.

In one example, the game console-specific authentication inputs may be apattern or a series of user inputs applied to the input keys of a gamepad. FIG. 6A provides an illustration of a game pad 600 having numerousinput mechanisms, such as input keys or buttons 602, combined withmultiple omnidirectional analogue or digital control sticks 604. In theillustrated example, the action buttons 602A, 602B, 602C and 602D aredepicted to the right, and the directional keys 604E, 604F, 604G, and604H are depicted to the left. The center buttons 602I, 602J and 602Kmay provide for other functions. In the context of user authentication,any series or pattern of inputs to the buttons 602 or the control sticks604 may define a user's predetermined authentication mechanism/passcode.

In another example, the game console-specific authentication inputs maybe a motion or motions that a user applies to a game controller capableof detecting motion. FIG. 6B provides an illustration of a game pad 600having numerous input mechanisms, such as buttons 602A-602K andincluding an internal motion detector 610 operable for detecting motionin the game pad 600. In one embodiment in which the game pad 600includes both input buttons 602 and an internal motion detector 610, theuser authentication mechanism/passcode may include a predeterminedmotion to the game controller and one or more inputs, for example apattern, to the one or more buttons or other input mechanisms on theface of the game pad 600.

In other examples, user inputs to special purpose input mechanisms maydefine the user's authentication mechanism/passcode. For example, footinputs to a dance pad controller, shooting inputs to a light guncontroller, or movements/turns to a steering wheel controller may definethe user's authentication mechanism. In another example, in which thegaming console is configured with a touch screen display, such as ininstances in which the gaming console is a portable device, inputs tothe touch screen display may define a user's authenticationmechanism/passcode.

At Event 504, the input data that defines the user's authenticationmechanism is converted to a numeric value. In those embodiments in whichthe input data is a motion, the input data may include multiple vectors,such as space dimensional vectors defining the x, y and z axis, as wellas a vector that defines a time dimension. Other vectors related to themotion detection input or any other authentication mechanism input arealso possible. At Event 506, an encryption routine is applied to thenumeric value to create a password. The encryption routine may be asecret/private key encryption routine, such as a block cipher routine,implementing an XOR function or a more detailed secret key encryptionalgorithm, such as Data Encryption Standard (DES), Triple-DES (3DES),DESX, Advanced Encryption Standard (AES), CAST-128, CAST-256,International Data Encryption Algorithm (IDEA), Rivest Ciphers 1-6(RC1-RC-6), Blowfish, Twofish, Camellia, MISTY1, Secure And FastEncryption Routine (SAFER), KASUMI, SEED, Skipjack or any other suitableprivate key encryption routine. Additionally, a public key encryptionroutine may be used to encrypt the numeric value in the authenticationprocess. The public key encryption routine may be, but is not limitedto, RSA, Diffie-Hellman, Digital Signature Algorithm (DSA), ElGamel,Elliptical Curve Crptography (ECC), Public-Key Crytography Standards(PKCS), Cramer-Shoup, Key Exchange Algorithm (KEA), LUC or the like.

At optional Event 508, the encrypted password may be hashed prior tocommunication to a network entity to provide for further security. Thehash function may be applied to ensure that the password is notintercepted during communication and serves as a digital fingerprint toensure that the password has not been altered by an intruder or virus.

At Event 510, the password or hashed password is communicated to thenetwork entity for user authentication and, based on the results of theauthentication process performed at the network entity at Event 512, auser verification is received by the application authorizing the user touse the service.

Referring to FIG. 7, a flow diagram is provided depicting a method 700for secure text chat sessions during delivery of financial institutionservices on a game console platform, according to an embodiment of thepresent invention. At Event 710, a financial institution serviceapplication is loaded onto a game console. The financial institutionservice application may be obtained from the financial institution in atangible form, such as Compact Disc (CD) or the like, and loaded ontothe gaming console or the financial institution application may bedownloaded from a financial institution networked site, such as awebsite or the like and stored on gaming console memory. At Event 720,the financial institution service application is launched on the gamingconsole. Launching of the financial institution service application maybe based on user input to an input mechanism, such as a game controlleror the like, or the financial institution service application may beconfigured to be launched at the boot-up/power-on of the gaming consoledevice.

At Event 730, the user of the financial institution service requests anonline text chat session for the financial institution service. Therequest prompts, at Event 740, the establishment of a secure connectionbetween the financial institution service application/gaming console anda network entity, such as a server or the like, associated with thefinancial institution. In one embodiment of the present invention, thesecure connection may be an SSL protocol connection, a TLS protocolconnection or any other suitable secure network connection. In addition,the request for the online text session prompts, at Event 750, theapplication to request access to and control of the keyboard and displayassociated with the gaming console for the purpose of inputting andoutputting text messages.

At Event 760, once the secure network connection has been establishedand the application gains control/access of the keyboard and display,text inputs are received by the user of the application. At Event 770,the text streams are tunneled through the secure network connection tothe network entity associated with the financial institution. Accordingto one embodiment, the text streams may be encrypted and/or hashed priorto tunneling the text streams through the SSL connection. In response tothe text stream being communicated to the financial institution networkentity, at Event 780, the application may receive a text stream from thenetwork entity associated with the financial institution through theestablished secure network connection. In those embodiments of theinvention in which the received text stream is encrypted, a decryptionprocess may be employed once the text stream is received. Once receivedand optionally decrypted, the text scream is displayed on the displayassociated with the gaming console.

At Event 790, the text stream session is disconnected based on userinput or user inactivity. The disconnection of the text session promptsthe tear-down of the secure network connection and the release of thekeyboard and display.

Referring to FIG. 8, a flow diagram is provided depicting a method 800for secure text chat sessions during delivery of financial institutionservices on a game console platform, according to an embodiment of thepresent invention. At Event 810, a financial institution serviceapplication is loaded onto a game console. The financial institutionservice application may be obtained from the financial institution in atangible form, such as Compact Disc (CD) or the like, and loaded ontothe gaming console or the financial institution application may bedownloaded from a financial institution networked site, such as awebsite or the like and stored on gaming console memory. At Event 820,the financial institution service application is launched on the gamingconsole. Launching of the financial institution service application maybe based on user input to an input mechanism, such as a game controlleror the like, or the financial institution service application may beconfigured to be launched at the boot-up/power-on of the gaming consoledevice.

At Event 830, the user of the financial institution service requests anonline text chat session for the financial institution service. Therequest prompts, at Event 840, the establishment of a secure connectionbetween the financial institution service application/gaming console anda network entity, such as a server or the like, associated with thefinancial institution. In one embodiment of the present invention, thesecure connection may be an SSL protocol connection, a TLS protocolconnection or any other suitable secure network connection. In addition,the request for the online text session prompts, at Event 850, theapplication to request access to and control of the microphone andspeaker associated with the gaming console for the purpose of inputtingand outputting text messages.

At Event 860, once the secure network connection has been establishedand the application gains control/access of the microphone and speaker,voice inputs are received by the user of the application. At Event 870,the voice streams are tunneled through the secure network connection tothe network entity associated with the financial institution. Accordingto one embodiment, the voice streams may be encrypted and/or hashedprior to tunneling the voice streams through the SSL connection. Inresponse to the voice stream being communicated to the financialinstitution network entity, at Event 880, the application may receive avoice stream from the network entity associated with the financialinstitution through the established secure network connection. In thoseembodiments of the invention in which the received voice stream isencrypted, a decryption process may be employed once the voice stream isreceived. Once received and optionally decrypted, the voice stream isdisplayed on the display associated with the gaming console.

At Event 890, the voice stream session is disconnected based on userinput or user inactivity. The disconnection of the voice session promptsthe tear-down of the secure network connection and the release of thekeyboard and display.

FIG. 9 provides a block diagram overview of the architecture of ageneric game console device 100, in accordance with an embodiment of thepresent invention. It should be noted that the architecture hereindescribed is by way of example only and that other gaming consolearchitectures currently available, or available in the future may beused in conjunction with the present embodiments without departing fromthe inventive concepts herein disclosed. The game console device 100includes a circuit board or other module 900 for housing the variouscomponents of the game console device 100. Included within the circuitboard/module 900 are a central processing unit (CPU) 120 and a memorycontroller 902 that facilitates processor access to various types ofmemory, including a flash ROM (Read Only Memory) 904, and a RAM (RandomAccess Memory) 906, disposed on the circuit board/module 900. Inaddition, the memory controller 902 facilitates memory access to a harddisk drive 908, and the portable media drive 910 through ATA (AdvancedTechnology Attachment) cable 912. As shown in FIG. 9, the financialinstitution service application 140 of present embodiments may be storedin the flash ROM memory 904 and may be loaded into memory from theportable media drive 910.

The CPU 120 may be equipped with a level 1 cache 914 and a level 2 cache916 to temporarily store data and hence, reduce the number of memoryaccess cycles, thereby improving processing speed and throughput.

The CPU 120, memory controller 902, and various memory devices areinterconnected via one or more buses, including serial and parallelbuses, a memory bus, a peripheral bus, and a processor or local bususing any of a variety of bus architectures. By way of example, sucharchitectures can include an Industry Standard Architecture (ISA) bus, aMicro Channel Architecture (MCA) bus, an Enhanced ISA (EISA) bus, aVideo Electronics Standards Association (VESA) local bus, and aPeripheral Component Interconnects (PCI) bus.

As previously noted in one suitable implementation, the CPU 120, memorycontroller 902, ROM 904, and RAM 906 are integrated onto a commoncircuit board/module 900. In this implementation, ROM 904 is configuredas a flash ROM that is connected to the memory controller 902 via a PCI(Peripheral Component Interconnect) bus and a ROM bus (neither of whichare shown in FIG. 9). RAM 906 is configured as multiple DDR SDRAM(Double Data Rate Synchronous Dynamic RAM) that is independentlycontrolled by the memory controller 902 via separate buses (not shown inFIG. 9).

A 3D graphics processing unit 920 and a video encoder 922 form a videoprocessing pipeline for high speed and high resolution graphicsprocessing. Data is carried from the graphics processing unit 920 to thevideo encoder 922 via a digital video bus (not shown in FIG. 9). Anaudio processing unit 924 and an audio codec (coder/decoder) 926 form acorresponding audio processing pipeline with high fidelity and stereoprocessing. Audio data is carried between the audio processing unit 924and the audio codec 926 via a communication link (not shown). The videoand audio processing pipelines output data to an A/V (audio/video) port928 for transmission to the television or other display. In theillustrated implementation, the video and audio processing components920-928 are mounted on the circuit board/module 900.

Also implemented on the circuit board/module 900 are a USB hostcontroller 930 and a network interface 932. The USB host controller 930is coupled to the CPU 120 and the memory controller 902 via a bus (e.g.,a PCI bus) and serves as host for the peripheral controllers 934A, 934B.The network interface 932 provides access to one or more networks (e.g.,Internet, home network, etc.) and may be any of a wide variety ofvarious wire or wireless interface components, including an Ethernetcard, a modem, a Bluetooth module, a cable modem, and the like.

The game console device 100 has a dual controller port subassembly 936and that supports two game controllers 934A and 934B. Alternate gameconsole architectures may provide for more than one dual controllersupport subassembly. A front panel I/O subassembly 938 supports thefunctionality of the power button 940, the eject button 942, other I/Omechanisms 944, as well as any LEDs (Light Emitting Diodes) or otherindicators exposed on the outer surface of the game console. Thesubassemblies 936 and 938 are coupled to the circuit board/module 900via one or more cable assemblies 946.

A system power supply module 948 provides power to the components of thegame console device 100. A cooling system 950 cools the circuitry withinthe game console device 100.

A console user interface (UI) application 952 is stored on the hard diskdrive 908. When the game console is powered on, various portions of theconsole UI application 952 are loaded into RAM 906 and/or caches 914,916 and executed on the CPU 120. The console UI application 952 presentsa graphical user interface that provides a consistent user experiencewhen navigating to different media types available on the game consoledevice 100.

In accordance with present embodiments in which the game console device100 is a secure device that executes signed code only, the game consoledevice 100 implements a cryptography engine to perform commoncryptographic functions, such as encryption, decryption, authentication,digital signing, hashing, and the like. The cryptography engine may beimplemented as part of the CPU 120, or in software stored on the harddisk drive 908 that executes on the CPU 120, so that the CPU 120 isconfigured to perform the requisite cryptographic functions.

The game console device 100 may be operated as a stand-alone system bysimply connecting the system to a television or other display. In thisstand-alone mode, the game console device 100 allows one or more playersto play games, watch movies, or listen to music. However, with theintegration of broadband connectivity made available through the networkinterface 932, the game console device 100 may further be operated as aparticipant in a larger network gaming community and/or be connected toother networked entities.

Thus, present embodiments provide for methods, systems, and computerprogram products that provide for financial institution services to bedelivered via a gaming console platform. The gaming console platform ischaracteristically limited to executing signed code and is therefore amuch more secure device than a conventional PC. Additionally, the gamingconsole platform allows for the financial institution serviceapplication to be tailored to the capabilities and functionality of thegaming console, thereby providing the user with a heightened experiencenot afforded by convention platforms. Additional embodiments of thepresent invention provide for a user authentication method thatimplements gaming console-specific user inputs as the authenticationmechanism/passcode. In this regard, input devices that are specific togaming consoles, such as gamepads, motion detecting game controllers andthe like may be used to provide for user inputs that define theauthentication mechanism/passcode. Such authentication mechanisms aremore difficult to replicate and/or intercept than conventionalalpha-numeric passcodes and are more readily remembered by the user.Another embodiment of the present invention provides for text chatsessions and/or voice chat sessions to be employed in conjunction withgame console-based financial institution services. The text chat and orvoice chat sessions that are provided implement a secure networkconnection and provided for greater overall security than would beafforded text or voice chat sessions on a conventional platform.

While the foregoing disclosure discusses illustrative embodiments, itshould be noted that various changes and modifications could be madeherein without departing from the scope of the described aspects and/orembodiments as defined by the appended claims. Furthermore, althoughelements of the described aspects and/or embodiments may be described orclaimed in the singular, the plural is contemplated unless limitation tothe singular is explicitly stated. Additionally, all or a portion of anyembodiment may be utilized with all or a portion of any otherembodiment, unless stated otherwise.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A method for providing text chats for a gameconsole-based online financial institution service, the methodcomprising: executing, on a game console device, an online financialinstitution service application; receiving, at the game console device,a user request to initiate a text chat session via the online financialinstitution service; establishing one of a Secured Socket Layer (SSL)protocol tunneled network connection or a Transport Layer Security (TLS)protocol tunneled network connection between the game console device anda network entity associated with the financial institution, wherein thenetwork connection is established by communicating of a game consoleidentifier from the game console device to the network entity andbi-directional exchanging of digital certificates between the gameconsole device and the network entity; accessing and controlling a textinput mechanism associated with the game console device and a textoutput mechanism associated with the game console device based onreceipt of the user request; receiving, at the text input mechanism,user text inputs for the text chat session; encrypting and hashing, atthe game console device, the user text inputs; and communicating theuser text inputs via one of the SSL protocol tunneled network connectionor the TLS protocol tunneled network connection to the network entityassociated with the financial institution.
 2. The method of claim 1,wherein executing an online financial institution service applicationfurther comprises executing the online financial institution serviceapplication that includes signed code.
 3. The method of claim 1, whereinthe game console device is further defined as being configured toexecute only signed code.
 4. The method of claim 1, further comprisingreceiving, at the game console device, financial institution text datafor the text chat session and outputting the financial institution textdata via the text output mechanism.
 5. A system for providing text chatsfor a game console-based online financial institution service, thesystem comprising: a gaming console device including a computingplatform having a processor and a memory in communication with theprocessor; and an online financial customer service application operableto be loaded into the memory of the gaming console device and executedon the gaming console device, wherein the application is specificallyconfigured for the gaming console device and includes: text chatcomputer instructions executable by the processor configured to: receivea user input to initiate a text chat session, establish one of a SecuredSocket Layer (SSL) protocol tunneled network connection or a TransportLayer Security (TLS) protocol tunneled network connection between thegaming console device and a network entity associated with the financialinstitution, wherein the network connection is established bycommunicating of a game console identifier from the gaming consoledevice to the network entity and bi-directional exchanging of digitalcertificates between the gamine console device and the network entity,access and control a text input mechanism associated with the gamingconsole device and a text output mechanism associated with the gamingconsole device, receive, at the text input mechanism, user inputs forthe text chat session, encrypt and hash the user text inputs, andcommunicate the user text inputs via one of the SSL protocol tunnelednetwork connection or the TLS protocol tunneled network connection tothe network entity.
 6. The system of claim 5, wherein the onlinefinancial customer service application further comprises signed code. 7.The system of claim 6, wherein the gaming console device is furtherdefined as configured to execute only signed code.
 8. A computer programproduct, comprising: a non-transitory computer-readable mediumcomprising game console executable instructions configured to perform amethod of: executing an online financial institution serviceapplication; receiving a user request to initiate a text chat sessionvia the online financial institution service; establishing one of aSecured Socket Layer (SSL) protocol tunneled network connection or aTransport Layer Security (TLS) protocol tunneled network connectionbetween the game console device and a network entity associated with thefinancial institution, wherein the network connection is established bycommunicating a game console identifier from the game console device tothe network entity and bi-directional exchanging of digital certificatesbetween the game console device and the network entity; accessing andcontrolling, on behalf of the text chat session, a text input mechanismassociated with the game console device and a text output mechanismassociated with the game console device based on receipt of the userrequest; receiving, at the text input mechanism, user text inputs forthe text chat session; encrypting and hashing the user text inputs; andcommunicating the user text inputs via one of the SSL protocol tunnelednetwork connection or the TLS protocol tunneled network connection tothe network entity associated with the financial institution.
 9. Thecomputer program product of claim 8, comprising the non-transitorycomputer-readable medium comprising the game console executableinstructions configured to further perform executing the onlinefinancial institution service application that includes signed code. 10.The computer program product of claim 8, comprising the non-transitorycomputer-readable medium comprising the game console executableinstructions configured to further perform executing the onlinefinancial service application on the game console device that isconfigured to execute only signed code.
 11. The computer program productof claim 8, comprising the non-transitory computer-readable mediumcomprising the game console executable instructions configured tofurther perform receiving, at the game console device, financialinstitution text data for the text chat session and output the financialinstitution text data via the text output mechanism.